THE HUMAN SIDE OF SALESBORROWER TOOLS

BORROWER TOOLKIT

Know your numbers.

Estimate the monthly income a mortgage lender may consider, then see how your housing payment and other obligations affect your debt-to-income ratio.

Documents stay in this browser. Pay stubs and calculations are processed on this device.

01 / INCOME

Estimate monthly income

For variable pay, select your latest stub and your last pay stub from each prior year together. The review appears automatically.

Ready to read a document.

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Your income breakdown will appear here.

Why this amount counts and what to provide

Read the Fannie Mae guidance

02 / DEBT-TO-INCOME

See your monthly ratio

Use a monthly income estimate and review what you actually owe each month, including obligations that may be missing from a credit report.

Include principal, interest, property taxes, insurance, mortgage insurance, HOA dues and subordinate financing, as applicable. Count each payment once.
Other monthly obligations
Enter monthly payments for items such as credit cards, auto or student loans, other mortgages and applicable support obligations. Review special cases with your lender.
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Your payment breakdown will appear here.

Credit bureau connection

Manual entry is available here. An authorized provider connection could prefill monthly tradeline payments for review. Experian, Equifax and TransUnion connections are pending provider access.

Borrower report

Download your results as a PDF. Calculate DTI first to include a side-by-side comparison. Leave a payment blank to use the same housing payment for that program.